Some store credit cards work everywhere because they have a card network logo (e.g. from Visa or Mastercard), which means they can be used wherever that card network is accepted. Others don’t, so they can be used only at the “store” they represent.
Many retailers actually offer both types of store credit cards, but you won’t always get to choose which one you get. That’s often decided for you based on your credit standing. The better your credit is, the more likely an issuer is to trust you with the power to spend at other stores. There’s less to lose with store-only cards because the store already benefits from every purchase that you make.
Getting the store-only version isn’t necessarily a bad thing, though. Both types of store credit cards tend to provide their highest rewards-earning rates on purchases made with the retailers they represent. So that’s often all you should use them for, anyway.
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